Nationwide Credit & Collection, Inc. is an Illinois collection agency based in Oak Brook. It collects consumer debts, including credit accounts, and is licensed as a debt collector in California.
- Type
- Collection agency
- Also known as
- Nationwide Credit & Collection, Inc.; Nationwide Credit and Collection Inc.; NCC
- Headquarters
- Oak Brook, IL
- Collects
- consumer credit accounts
126 debt collection complaints were sent to the Consumer Financial Protection Bureau about Nationwide Credit & Collection, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Nationwide Credit & Collection?
Nationwide Credit & Collection, Inc. is a corporation formed in Illinois with its principal place of business at 815 Commerce Drive, Suite 270, Oak Brook, Illinois 60523. California's Department of Financial Protection and Innovation (DFPI) has licensed it as a debt collector under the state's Debt Collection Licensing Act since June 21, 2023, under license number 10557-99. In its 2025 settlement with the DFPI, the company is described as collecting debt related to consumer financial products or services, including extensions of credit.
Other collection companies use names that start with "Nationwide," so check the full name and the Oak Brook address on any letter before assuming which company you are dealing with. We could not confirm an official website or consumer phone number for this company, so use the contact details in your validation notice.
Why Nationwide Credit & Collection May Be Contacting You
A collection agency contacts you on behalf of a creditor that has placed a past-due account with it. Public regulatory records confirm that Nationwide Credit & Collection collects consumer credit-related debts, but they do not name its clients, and we could not verify a client list from the company itself. The notice you receive should tell you which creditor placed the account and the account number to look for in your own records.
How to Check a Debt Nationwide Credit & Collection Says You Owe
When you can't easily look a collector up, its written notice becomes your main source of information. Use it.
- Keep the validation notice. The FDCPA and Regulation F require it to name the creditor, state the amount, and itemize interest, fees, payments and credits (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing on time. Mail your dispute to the address on the notice before the date it gives, and keep proof of mailing. Ask for the creditor's account statements.
- Find out who owns the debt. Ask whether the original creditor still owns it, or the name of the buyer if it was sold.
- Reconcile the balance. Compare the itemization with your last statement and payment records.
- Don't overlook the age of the debt. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue once that time has passed (Tex. Fin. Code § 392.307). Illinois and other states have different periods.
What Nationwide Credit & Collection Can and Can't Do
A company collecting consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). Under the FDCPA and Regulation F:
- It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
- It may not use a name other than its true name, which matters when several companies share similar names (15 U.S.C. § 1692e(14)).
- It may not call more than seven times in seven days about one debt before harassment is presumed (12 C.F.R. § 1006.14(b)(2)).
- It must stop most contact once you ask in writing (15 U.S.C. § 1692c(c)).
California regulatory action. On April 1, 2025, the DFPI issued a desist and refrain order alleging that the company had not filed the annual report the Debt Collection Licensing Act required by March 15, 2025; according to the settlement, the company filed it on March 19, 2025. In a settlement agreement the DFPI lists as dated May 1, 2025, the company agreed to resolve the order without a hearing, the desist and refrain order became final, and the company agreed to pay a $4,500 administrative penalty. We did not find a CFPB enforcement action against Nationwide Credit & Collection. For help with a collector, visit our FDCPA attorneys page.
Government Actions on the Public Record
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Nationwide Credit & Collection or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- California DFPI: Nationwide Credit and Collection Inc. enforcement page
- California DFPI: Desist and Refrain Order (Apr. 1, 2025)
- California DFPI: Settlement Agreement (2025)
- CFPB enforcement actions search: Nationwide Credit
- CFPB Consumer Complaint Database: Nationwide Credit & Collection, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Nationwide Credit & Collection has violated any law. Company details change; tell us if something here is out of date.